Mobile Home Ready
403 Shappell Ave : Interlachen, FL 32814
Putnam County, Florida
Lot Description
Welcome to your exceptional opportunity to own an affordable 0.22-Acre building lot at 403 Shappell Ave in Interlachen, Florida-where "between the lakes" lifestyle meets convenient location, unbeatable value, and immediate access to Florida's premier lake district. This property stands out with its specific street address on established Shappell Ave providing easy identification and location, positioning near downtown Interlachen offering convenient access to local services, location in Putnam County's lake-studded region providing year-round fishing and outdoor recreation, and rock-bottom pricing at under $10,000 making Florida land ownership accessible to virtually everyone.
Located at 403 Shappell Ave in Interlachen, this residential lot sits in one of Putnam County's most affordably priced yet naturally beautiful communities. Having a specific street address (403 Shappell Ave) provides advantages for property identification, mail delivery once you build, GPS navigation accuracy, and establishing official residence. Many rural properties lack specific addresses, making this property more convenient for development and occupancy.
Interlachen literally means "between the lakes" in German, and the town lives up to its name magnificently. You're surrounded by Lake Alto, Lake Grandin, Blue Pond, and numerous other lakes within minutes-providing some of Central Florida's best freshwater fishing, kayaking, and water-oriented recreation. Imagine owning your own piece of Florida with a real street address where you can build an affordable retirement cottage, place a manufactured or modular home, or hold as an investment while enjoying immediate access to excellent fishing lakes-all for less than $10,000.
At 0.22 acres (approximately 9,583 square feet), this property provides a standard residential building lot with dimensions of approximately 70 feet by 135 feet-adequate space for a home up to 1,400 square feet, driveway, yard, and basic landscaping. This lot size offers tremendous advantages including the most affordable entry into Interlachen's lake region at under $10K, ultra-low annual property taxes of only $85.25 (about $7.10/Month), manageable site preparation and maintenance costs, and a perfect balance of space and affordability for first-time buyers or budget-conscious retirees.
The terrain is typical of Putnam County-relatively level with sandy soils that drain well, making foundation work, septic installation, and landscaping straightforward and cost-effective. Some clearing will be needed to prepare a building site, but the work is manageable and less extensive than heavily forested properties, keeping your development costs reasonable and predictable.
Power is available in the area, simplifying utility connections when you're ready to build. You'll need to install a well for water-standard practice for rural Florida that provides unlimited fresh water with absolutely no monthly bills-and a septic system for wastewater. Florida's sandy soils are ideal for conventional septic systems that last for decades with minimal maintenance, making this a proven, reliable approach used by millions of Florida homeowners.
The property is zoned R-2 Residential, allowing site-built homes, modular homes, and other residential structures per Putnam County regulations. This zoning provides flexibility in your construction approach-whether you want traditional stick-built construction offering complete customization, factory-built modular homes providing efficiency and cost savings, or other approved housing types that fit your budget and timeline.
Best of all, there's no HOA and no time-to-build restrictions-absolutely no monthly fees eating into your budget, no restrictive covenants limiting your vision or dictating paint colors, no architectural review committees slowing down your building process, and no pressure whatsoever to build on anyone's timeline but your own. This is your land, and you have complete freedom to develop it when and how you choose within Putnam County's reasonable building codes.
Whether you're a first-time land buyer seeking the most affordable entry into Florida property ownership, a fishing enthusiast wanting a home base near excellent lakes with a real street address, a retiree on a fixed income seeking affordable Florida living in a peaceful lake town, someone relocating from expensive urban areas or high-tax states seeking dramatic cost reduction, or an investor looking to acquire Florida land at exceptional value with long-term appreciation potential, this property at 403 Shappell Ave delivers unmatched opportunity and value.
The location in Interlachen provides perfect balance-peaceful small-town living surrounded by fishing lakes and natural beauty, yet within 25 minutes of Palatka's essential services, 35-40 minutes from Gainesville's comprehensive amenities and University of Florida, reasonable driving distance from Orlando's attractions and airport, and positioned in Central Florida's lake region with excellent year-round weather.
We're making land ownership accessible to virtually everyone with incredibly affordable financing options:
Cash Discounted Price: $9,999 (under $10K.)
Easy Owner Financing Available:
Down Payment: $225
Documentation Fee: $250 (one-time)
Total Due Today: $475
Monthly Payment: $225/Month for 72 months
Total if Financed: $16,675 over 6 years
Own more than a fifth of an acre at 403 Shappell Ave in Florida's lake district for just $475 down and $225 per month-less than most people spend on cable TV, streaming services, or daily coffee purchases. No credit checks, no bank hassles, no complicated approval process, no income verification. This is land ownership made accessible to virtually everyone, regardless of credit history or current financial circumstances.
See Info Below:
Property Address: 403 Shappell Ave, Interlachen, FL 32148
State: Florida
County: Putnam
Zip: 32148
Size: 0.22 acres (approximately 9,583 square feet)
Lot Dimensions: Approximately 70 feet x 135 feet
Parcel/APN: 25-09-24-4075-1020-0200
Gps Coordinates (Decimal Degrees):
Center: 29.678081, -81.857966
Nw Corner: 29.677972, -81.858165
Ne Corner: 29.678179, -81.858166
Se Corner: 29.678180, -81.857774
Sw Corner: 29.677975, -81.857773
Annual Taxes: Approximately $85.25/Year (only $7.10/Month.)
Zoning: R-2 Residential (Allows site-built homes, modular homes)
HOA/POA: None - Absolutely no HOA fees or restrictions
Time to Build: No restrictions - Build on your own timeline
Improvements: Natural vegetation
Access: Shappell Ave (County-maintained road with specific address)
Water: Private well required (typical depth 100-200 feet)
Sewer: Septic system required (permitted through Florida Department of Health - Putnam County)
Utilities: Power available in area; Propane for cooking/heating; Internet options available
Camping/RVs: Not permitted per Putnam County regulations
Information presented in this listing is deemed accurate but is not guaranteed. Buyers are advised to conduct their own due diligence and verify all details independently before making any purchase decision.
Location And Setting Overview - Interlachen's Lake District
Your Address in the Lake District: This 0.22-Acre lot at 403 Shappell Ave sits in Interlachen-a small town whose German name translates to "between the lakes," perfectly describing both the geography and the lifestyle you'll enjoy here. Having a specific street address (403 Shappell Ave) provides practical advantages for property identification, receiving mail and deliveries once you build, GPS navigation accuracy, and establishing your official Florida residence.
Founded in the 1880S by German settlers who were drawn to the area's natural beauty, abundant lakes, and rolling terrain reminiscent of their European homeland, Interlachen maintains quiet, friendly small-town character while providing access to exceptional freshwater fishing and outdoor recreation that draws enthusiasts from across Florida and beyond.
While small in population (around 1,400 residents), Interlachen's strategic position provides the perfect balance. You're close enough to Palatka (25 minutes) for essential services, Gainesville (35-40 minutes) for comprehensive amenities and medical care, and positioned centrally in Florida with reasonable access to Orlando, beaches, and employment centers-yet far enough from urban sprawl to maintain affordable pricing, peaceful living, and that authentic Old Florida character increasingly difficult to find.
The defining feature of living in Interlachen is the lakes. The town is literally surrounded by beautiful fishing waters providing year-round outdoor recreation:
Lake Alto: One of the closest lakes to Interlachen and your property, Lake Alto offers excellent year-round fishing for largemouth bass (ranging from 1-8+ pounds), bluegill and shellcracker (excellent panfish for both sport and eating), black crappie known locally as speckled perch (great winter fishing), and catfish providing action when other species are slow. The lake features cypress-lined shores creating natural habitat and beauty, quiet coves perfect for kayak fishing or peaceful paddling, accessible public boat ramps and shore fishing areas, and less fishing pressure than more famous lakes meaning better opportunities for patient anglers.
Lake Grandin: Another nearby favorite among local anglers, Lake Grandin provides excellent bass fishing with fish regularly exceeding 5 pounds, abundant panfish populations ensuring action even when bass aren't cooperative, good water clarity in many areas allowing sight fishing opportunities, diverse underwater structure including vegetation, deeper channels, and points, and scenic beauty perfect for photography or simply enjoying peaceful time on the water.
Blue Pond: Despite its name suggesting a small water body, this is actually a sizable lake offering good fishing opportunities, peaceful kayaking and canoeing through pristine waters, less fishing pressure than the larger, more promoted lakes, unique blue-tinted water in certain lighting conditions creating beautiful scenery, and excellent wildlife viewing opportunities along the undeveloped shorelines.
Additional Lakes: Numerous other lakes and ponds within 10-20 minute drives provide variety for anglers who enjoy exploring different waters, adapting tactics to varying conditions, and discovering hidden gems that receive minimal fishing pressure.
Putnam County - Florida's Affordable Lake Country: Putnam County remains one of Florida's most affordable counties while offering exceptional quality of life for those who value natural beauty, outdoor recreation, fishing and boating, and small-town character over urban amenities, shopping malls, and resort developments. The county stretches along the scenic St. Johns River and encompasses numerous lakes, springs, and natural areas providing outstanding outdoor recreation.
The cost of living in Putnam County is significantly below Florida's average, with housing costs, property taxes, general expenses, and land prices far lower than coastal areas, metropolitan regions, or resort communities. This affordability attracts budget-conscious retirees on fixed incomes seeking to maximize their retirement dollars, working families wanting to own substantial land without crushing mortgages, remote workers and telecommuters who can live anywhere and choose quality of life over proximity to offices, fishing and outdoor enthusiasts prioritizing daily lake access over urban entertainment options, and investors recognizing exceptional value in underpriced properties positioned for long-term appreciation.
Strategic Positioning - Central Florida Access: Interlachen's location provides ideal balance between rural affordability and access to urban services:
Palatka (approximately 14-16 miles east, 25-30 minutes): Putnam County's seat offers grocery stores including Walmart Supercenter, Winn-Dixie, and Save-A-Lot, hardware stores and building supply centers for your construction needs, medical facilities including Putnam Community Medical Center, numerous restaurants offering Southern cooking and casual dining, county government offices and services, riverfront parks and boat ramps on the scenic St. Johns River, and all essential services for daily living.
Gainesville (approximately 30-32 miles west, 35-40 minutes): Home to the University of Florida (Go Gators.), Gainesville provides Shands Hospital-one of the Southeast's premier medical centers with specialists in every field, Oaks Mall and comprehensive shopping including major retailers and specialty stores, incredibly diverse dining options from international cuisine to Southern favorites, museums, galleries, and cultural attractions befitting a university town, exciting SEC sporting events and college-town atmosphere, extensive employment opportunities across education, healthcare, and technology sectors, and big-city amenities while maintaining a manageable size and reasonable traffic.
Ocala (approximately 45-50 miles southwest, 50-60 minutes): Marion County's hub offers additional shopping and services, medical facilities and specialists, access to beautiful Ocala National Forest with springs and outdoor recreation, horse country attractions and thoroughbred farms, and alternative options for services and employment.
Orlando (approximately 90-95 miles south, 1 hour 40 minutes to 2 hours): Florida's tourism capital provides world-famous theme parks including Walt Disney World, Universal Studios, and SeaWorld, Orlando International Airport offering domestic and international flights, professional sports including Orlando Magic basketball and Orlando City soccer, endless shopping and entertainment options, major medical centers and specialists, and employment opportunities across diverse sectors-all accessible for weekend trips, special occasions, or airport access while living affordably in Interlachen.
Jacksonville (approximately 65-70 miles north, 75-85 minutes): Florida's largest city by land area offers Jacksonville International Airport with extensive flight options, professional sports including Jacksonville Jaguars NFL football and Jacksonville Jumbo Shrimp baseball, extensive shopping, dining, and entertainment venues, major medical centers and healthcare facilities, diverse employment opportunities across finance, logistics, healthcare, and military sectors, and urban amenities while remaining less expensive than South Florida metros.
Atlantic Coast Beaches (approximately 70-75 miles east/northeast, 80-90 minutes): Beautiful Atlantic beaches including Jacksonville Beach, Neptune Beach, Atlantic Beach, Crescent Beach, and St. Augustine's beaches provide ocean swimming and surfing, beachfront dining and entertainment, weekend escape opportunities, and access to historic St. Augustine-America's oldest city with museums, forts, and unique cultural experiences.
This central Florida positioning means you enjoy ultra-affordable rural living on your own land in a peaceful lake town, yet remain within 35-40 minutes of Gainesville's comprehensive services and within reasonable driving distance of Orlando's attractions, Jacksonville's airport and employment centers, and beautiful Atlantic coast beaches.
Climate and Year-Round Outdoor Living: Interlachen sits in North Florida's humid subtropical climate zone-featuring hot, humid summers and mild winters that are perfect for year-round outdoor activities, fishing, and property enjoyment.
Summer (June through September) brings warm to hot weather with afternoon thunderstorms that typically arrive predictably in late afternoon, cooling temperatures down from midday highs, watering gardens and landscapes naturally, keeping lakes full and productive, and creating spectacular lightning displays over the water. These summer storms are part of the Florida rhythm-most residents plan outdoor activities for mornings and early afternoons, then enjoy the cooling rain and comfortable evenings.
Winter (December through February) is absolutely delightful with daytime highs typically in the upper 60s to mid-70s and nighttime lows in the 40s to low 50s. Hard freezes are occasional but brief, snow is virtually unknown (a true rarity that makes news when it happens), and the mild temperatures provide perfect weather for outdoor construction and property work, fishing without summer's heat and humidity, hiking and outdoor activities, and simply enjoying Florida's famous winter weather that draws millions of visitors from frozen northern states.
Spring (March through May) and fall (September through November) offer particularly pleasant conditions with comfortable temperatures in the 70s and 80s, moderate humidity levels, beautiful weather for outdoor projects and recreation, and excellent fishing as seasonal water temperature transitions trigger fish feeding activity.
The region receives approximately 52 inches of annual rainfall, with most precipitation falling during the summer months in the form of those predictable afternoon thunderstorms. This rainfall pattern provides natural irrigation for gardens and landscapes while still offering plenty of sunshine. You'll enjoy about 220 sunny days per year-plenty of Florida sunshine for outdoor living, fishing expeditions, property work, and potentially solar power systems if you choose to incorporate renewable energy.
The Interlachen Lake Lifestyle: Interlachen attracts a specific type of person and lifestyle:
Budget-conscious retirees seeking affordable Florida living near excellent fishing and outdoor recreation without expensive resort community fees, restrictive HOAs, or the high costs of coastal living.
Fishing enthusiasts who want daily access to productive lakes without needing to own expensive waterfront property or pay marina fees-launch your boat at public ramps and fish whenever you want.
Working families seeking affordable land and homes at prices that allow financial security and savings rather than living paycheck-to-paycheck under crushing mortgages.
Remote workers and telecommuters who can live anywhere and deliberately choose natural beauty, outdoor access, affordable living, and peaceful surroundings over urban stress, traffic, and high costs.
Homesteaders and self-sufficient living enthusiasts who want space for gardens, chickens, and productive activities without HOA restrictions or neighbors complaining.
Investors recognizing exceptional value in underpriced properties in growing regions, understanding that today's affordable lake-region land represents tomorrow's appreciated real estate.
Outdoor enthusiasts who prioritize kayaking, fishing, hiking, and nature experiences over shopping malls, restaurants, nightlife, and urban entertainment.
Living in Interlachen means your recreational focus centers on fishing local lakes for bass and panfish, kayaking or canoeing quiet waters at sunrise or sunset, enjoying abundant wildlife and natural Florida landscapes, working on property projects and home improvements, connecting with neighbors who share similar values of simplicity and outdoor living, and living affordably without the financial stress that dominates so many Americans' lives.
This isn't a place for people seeking extensive shopping, diverse dining, active nightlife, or constant urban energy-it's for those who find genuine satisfaction and fulfillment in simpler pleasures, outdoor activities, and connection with nature and community.
The absence of HOAs and the lack of time-to-build restrictions mean you have maximum flexibility and freedom. You can purchase this property now while prices are exceptionally low, hold the land while it appreciates (paying just $7.10/Month in taxes), enjoy lake access and fishing immediately, and build whenever your timing and finances are optimal-whether that's next year or ten years from now. The choice is entirely yours without any pressure or restrictions.
Building Your Dream Home - Affordable Construction Options
Your 0.22-Acre lot at 403 Shappell Ave provides adequate space for modest, affordable housing perfect for lake retreats, retirement cottages, or small family homes. This lot size accommodates homes up to approximately 1,400 square feet plus driveway, yard, and basic landscaping-plenty of space for comfortable living without the high costs and maintenance burdens of oversized houses.
Manufactured Homes - Maximum Affordability ($30,000-$75,000 total investment): For budget-conscious buyers who prioritize lake access and affordable living over large square footage, modern manufactured homes provide the most affordable and fastest path to homeownership. It's important to verify current Putnam County R-2 zoning requirements regarding manufactured homes, as regulations and permitting requirements can vary and may have specific foundation or installation standards.
Single-wide manufactured homes square feet, 1-2 bedrooms, 1 bathroom) cost approximately $20,000-$35,000 delivered and professionally set up-extremely affordable for singles, couples, or retirees using this as a fishing retreat or downsized retirement home. These compact homes are surprisingly comfortable with modern open floor plans, efficient storage solutions, and everything you need for comfortable living in a manageable space.
Small double-wide manufactured homes (900-1,200 square feet, 2-3 bedrooms, 1-2 bathrooms) cost approximately $35,000-$55,000 delivered and set up, providing more space for families or those wanting separate living areas, home offices, or guest rooms.
Installation costs typically run $7,000-$12,000 including site preparation and clearing, foundation system (concrete runners or piers), professional setup and leveling, tie-downs meeting Florida wind codes, skirting for finished appearance, and entry steps or porches. Add $3,500-$6,000 for a complete well system and $5,000-$7,500 for septic system installation.
Total move-in cost for a complete manufactured home with all utilities: approximately $38,000-$80,000 depending on home size and features-remarkably affordable for complete Florida homeownership near excellent fishing lakes.
Modular Homes - Quality, Efficiency, and Value ($70,000-$130,000 total investment): Modular homes definitely fit your R-2 zoning requirements and offer excellent value, combining affordability with quality construction, faster build times, and real property status that appreciates like traditional site-built homes.
Modular homes are built in climate-controlled factories to the same Florida Building Code standards as site-built homes, then transported in sections to your property and assembled on a permanent foundation. This factory construction means consistent quality control, weather-independent building schedules, efficient material usage, and typically 20-30% cost savings compared to comparable site-built construction.
A compact modular home (900-1,300 square feet, 2-3 bedrooms, 1-2 bathrooms) costs approximately $60,000-$95,000 for the structure itself, plus $12,000-$20,000 for site work, permanent foundation, professional assembly, finish work, and utility connections. Including well, septic, and electric connection, total investment runs approximately $85,000-$135,000 for a complete, quality home.
Modular homes are considered real property (not personal property like manufactured homes), appreciate in value like site-built homes, can qualify for traditional mortgages more easily, and offer excellent resale value. Construction timeline is typically 4-6 months from order to move-in-significantly faster than traditional site-built construction while maintaining quality and value.
Site-Built Homes - Traditional Construction ($80,000-$180,000+ total investment): For those preferring traditional stick-built construction offering complete customization and design freedom, your 0.22-Acre lot works well for compact, efficient homes that maximize livability while controlling costs.
A modest site-built home (800-1,200 square feet, 2-3 bedrooms, 1-2 bathrooms) costs approximately $110-$145 per square foot in the Interlachen area, including all construction, site work, and utility connections. Total investment: roughly $90,000-$175,000 depending on size, finishes, and features.
Smaller, well-designed homes can be incredibly comfortable and functional through smart layouts that eliminate wasted space, efficient storage solutions and built-ins, open floor plans creating spacious feel, covered porches extending living space outdoors, and large windows capturing natural light and breezes.
Site-built construction offers complete design freedom-you choose everything from floor plan to finishes. Timeline is typically 8-12 months from groundbreaking to completion, depending on weather, contractor schedules, and complexity.
Lake Cottage Design Considerations: When building in Interlachen's lake region, consider features that enhance the fishing and outdoor lifestyle:
Covered porches or lanais for enjoying outdoor living without sun and rain exposure-perfect for morning coffee while watching wildlife or evening relaxation after fishing.
Outdoor showers for rinsing off after fishing, boating, or working outdoors-a practical feature many lake residents love.
Fish cleaning station with running water and proper waste disposal-essential for serious anglers who regularly bring home their catch.
Fish cleaning station with running water and proper waste disposal-essential for serious anglers who regularly bring home their catch.
Screened rooms or enclosed porches providing bug-free outdoor enjoyment during Florida's humid months when mosquitoes and no-see-ums can be bothersome.
Building Timeline: Realistic expectations from land purchase to move-in:
Manufactured homes: 3-5 months including site prep and installation
Modular homes: 4-6 months from order to completion
Site-built homes: 9-13 months depending on size and complexity
Utilities Installation Details:
Well System ($3,500-$6,000 total): In the Interlachen area, residential wells typically drill 100-200 feet deep to reach the prolific Floridan Aquifer-one of the world's most productive aquifer systems providing abundant, high-quality groundwater. Complete well systems include professional drilling to appropriate depth, steel or PVC casing protecting the well bore, submersible pump sized for household needs (typically 3/4 to 1 Hp), pressure tank (typically 40-60 gallons), basic water treatment if needed (some areas have slight sulfur content creating harmless rotten-egg smell that's easily treated), and all necessary piping and electrical connections.
You'll have unlimited fresh water with absolutely no monthly water bills-a significant long-term savings compared to municipal water systems. Properly maintained wells last 30-50+ years, with pumps typically lasting 15-20 years before replacement.
Septic System ($5,000-$7,500 total): Florida's sandy soils are ideal for conventional septic systems-the most common, reliable, and affordable wastewater treatment for rural properties. Standard septic systems for 2-3 bedroom homes include 1,000-Gallon concrete or plastic tank (larger tanks for bigger homes), drain field with perforated pipes allowing treated wastewater to percolate into soil, distribution boxes ensuring even flow, complete installation including excavation and backfill, and Florida Department of Health permitting ensuring proper design and installation.
Properly maintained septic systems last 25-35+ years or longer with minimal issues. Maintenance is simple-pump the tank every 3-5 years ($275-$350) to remove accumulated solids, avoid flushing inappropriate items (no wipes, feminine products, or grease), and use water efficiently. Millions of Florida homes rely on septic systems with excellent results.
Electric Connection ($800-$2,000): With power available in the area, connection costs include utility company service connection fees, meter base installation, underground or overhead service run from street to your home, circuit breaker panel installation, and any transformer work if needed.
Monthly electric bills for small, energy-efficient homes in Florida typically run $90-$180 depending on home size, insulation quality, Hvac efficiency, and your usage patterns. Consider energy-efficient appliances, good insulation, and programmable thermostats to minimize costs.
Propane ($0 initial cost, $350-$900 annually): Propane companies provide tanks free of charge in exchange for your business-you pay only for the propane gas you actually use. Annual costs for cooking and hot water in small homes typically run $350-$900 depending on usage and current propane prices.
Propane is clean-burning, efficient, and reliable. Many rural Florida residents prefer it over electric for cooking (better temperature control) and backup heating during occasional cold snaps.
Internet and Communications: Modern internet options make rural living completely viable for remote work, streaming entertainment, and staying connected:
Starlink satellite internet ($120/Month) provides high-speed internet (50-200 Mbps) suitable for streaming, video calls, online gaming, and remote work-available everywhere with clear view of sky.
Cellular-based home internet from major carriers (typically $50-$70/Month) works well in areas with good cell coverage-check coverage maps for Interlachen.
Fixed wireless internet from local providers may be available-inquire locally about options and speeds.
Traditional DSL or cable may be available on some streets-check with providers.
The Interlachen Fishing and Lake Lifestyle
Living at 403 Shappell Ave in Interlachen means having some of Florida's best freshwater fishing literally minutes from your doorstep. This isn't occasional vacation fishing or weekend trips to distant lakes-it's the daily lifestyle that defines Interlachen and creates the community's unique character.
Outstanding Nearby Lakes:
Lake Alto: Minutes from your property, Lake Alto provides excellent year-round fishing. Spring (March-May) brings spawning bass moving shallow-this is prime time for sight-fishing bedding bass and catching quality fish. Summer (June-August) offers early morning and evening action when temperatures moderate-target deeper water, shaded areas, and vegetation edges. Fall (September-November) provides outstanding fishing as cooling waters trigger heavy feeding-many consider this the best season for consistent bass action. Winter (December-February) remains productive with proper techniques-slow presentations in deeper water can catch quality fish while you enjoy comfortable temperatures.
Lake Grandin: This productive lake offers diverse fishing opportunities. Bass fishing techniques include topwater lures at dawn and dusk, Texas-rigged soft plastics in vegetation, crankbaits along drop-offs and points, and spinnerbaits around cypress trees and structure. Panfish action stays consistent year-round-bluegill and shellcracker provide excellent action, especially during spring spawning when they're concentrated in shallow water.
Blue Pond: Less-pressured waters often produce better fishing for patient anglers. This lake sees fewer boats and bank anglers than the bigger, more promoted waters, meaning fish are less wary and more likely to bite.
Fishing Methods and Access:
The Interlachen lakes accommodate all fishing styles and budgets:
Bank fishing from accessible public shorelines-free and productive, especially for panfish and catfish.
Kayak or canoe fishing for those preferring quiet, economical approaches-paddle-powered craft get you into shallow water and tight cover where big bass hide.
Small boat fishing with bass boats, jon boats, or aluminum fishing boats-provides mobility to cover water and access different areas as conditions change.
Fly fishing for those preferring this elegant method-poppers for bass and panfish can be incredibly exciting.
Your property at 403 Shappell Ave provides space to store boats on trailers, keep kayaks on racks, and maintain fishing equipment-conveniences that waterfront property owners pay premiums for without actually owning the water.
Year-Round Outdoor Recreation Beyond Fishing:
Kayaking and Canoeing: Peaceful paddling on calm lakes provides excellent exercise, nature viewing, photography opportunities, and relaxation. Early morning paddles often reveal wildlife including wading birds hunting in shallows, turtles basking on logs, and alligators cruising quietly through the water.
Birdwatching: The lakes attract abundant bird species including wading birds like great blue herons, great egrets, snowy egrets, tricolored herons, little blue herons, and green herons; waterfowl including wood ducks, mottled ducks, blue-winged teal, and ring-necked ducks in winter; raptors including ospreys diving for fish and increasingly common bald eagles; and numerous songbirds and shore birds providing endless viewing opportunities.
Nature Photography: Scenic lake views at sunrise and sunset, diverse wildlife, beautiful Florida landscapes, and seasonal changes provide excellent subjects for photography enthusiasts.
Ravine Gardens State Park (in nearby Palatka, approximately 25-30 minutes): Beautiful formal gardens set in a natural ravine featuring spectacular azalea displays in spring (typically February-March), ornamental plants and landscaping, scenic walking trails through the ravine, suspension bridges providing unique views, and a lovely destination for day trips or visitors.
Ocala National Forest (approximately 30-40 minutes west): For those wanting additional outdoor recreation beyond what Interlachen's immediate area provides, the forest offers crystal-clear springs for swimming and snorkeling, extensive hiking trails through diverse ecosystems, additional lakes and streams for fishing and paddling, primitive and developed camping opportunities, and vast wilderness for those seeking solitude.
Why This Property Represents Exceptional Value?
Unbeatable Price Point: At just $9,999 cash or $475 down with owner financing, this property at 403 Shappell Ave is among the most affordable land available in Florida's lake region. For less than the cost of a used car-and similar to what many people spend on a single vacation-you own real estate in Florida, land that will be yours forever, property that typically appreciates over time, and an asset you can build on or sell in the future.
Ultra-Low Carrying Costs: Annual taxes of only $85.25 ($7.10 per month) mean holding costs are negligible. Even if you're not ready to build immediately, carrying this property costs almost nothing while it appreciates and you enjoy immediate lake access for fishing and recreation. Compare this to paying rent ($1,000-$2,000+ monthly with nothing to show for it), storage unit fees ($100-$200+ monthly), or even car payments-this land costs less than almost any recurring expense while actually building equity.
Specific Street Address: Having a real address (403 Shappell Ave) provides practical advantages over properties with only parcel numbers: easier GPS navigation and property identification, mail delivery and package delivery once you build, establishing official residence for Florida purposes, easier communication with contractors and service providers, and professional presentation if you ever sell.
Lake Region Location: Proximity to Lake Alto, Lake Grandin, Blue Pond, and other excellent fishing lakes provides lifestyle value that's genuinely priceless for fishing and outdoor enthusiasts. Properties near quality fishing waters typically appreciate better over time than landlocked parcels with no recreational amenities, as waterfront and water-access property remains in consistently high demand regardless of economic conditions.
No Time Pressure: Without HOA restrictions or time-to-build requirements, you can hold this land as long as you want, building whenever your timing and finances are perfect. Buy now at today's low price, let it appreciate while paying minimal taxes, enjoy lake access immediately, and build when you're ready-whether that's next year, five years from now, or even longer. This flexibility is invaluable and increasingly rare as more developments impose arbitrary time limits.
Florida Tax Advantages: Florida's lack of state income tax saves $2,000-$15,000+ annually for many households compared to high-tax states like California, New York, New Jersey, Illinois, and others. For someone earning $60,000 annually, moving from a state with 5% income tax to Florida saves $3,000 per year-more than enough to cover this land payment with money left over. For retirees, this means pension and Social Security income goes further. Additionally, Florida's homestead exemption removes up to $50,000 from your home's assessed value once you build and occupy, potentially saving $750-$1,250+ annually in property taxes.
Strong Rental Potential: Putnam County and the Interlachen area have steady demand for affordable rental housing. Once you build even a modest 2-3 bedroom home, it could rent for $900-$1,400+ monthly depending on condition, size, and amenities, providing investment income, offsetting ownership costs, or building wealth through rental property ownership.
Appreciation Potential: While Putnam County has appreciated more slowly than some Florida regions (which actually makes it more affordable to enter now), several factors support future appreciation:
Regional growth patterns-Gainesville's steady expansion as a university town and medical center, Jacksonville's regional influence as Florida's largest city, increasing population in Florida generally as people relocate from expensive and cold northern states.
Limited supply of affordable lake-region properties-as coastal areas become increasingly unaffordable (average home prices often exceeding $400,000-$600,000), more buyers discover affordable inland lakes.
Growing interest in affordable rural Florida-remote work enabling location flexibility, retirees seeking to maximize fixed incomes, families wanting land and space without debt burdens.
Infrastructure improvements-road improvements, expanded internet access, and regional development typically drive appreciation.
Properties purchased today in Interlachen for under $10,000 could reasonably appreciate to $15,000-$25,000+ over 5-10 years based on these factors and historical appreciation patterns in Florida's growth corridors.
Perfect for Multiple Buyer Demographics: This property appeals across diverse buyer types:
First-time land buyers seeking the most affordable entry into Florida real estate ownership.
Fishing enthusiasts wanting daily access to excellent lakes without expensive waterfront property costs.
Retirees on fixed incomes seeking affordable Florida living with low taxes and no HOA fees.
Working families wanting to own land and build equity rather than enriching landlords through rent payments.
Remote workers and telecommuters choosing quality of life, outdoor access, and affordability over urban proximity.
Investors recognizing exceptional value in underpriced lake-region property with long-term appreciation potential.
Anyone seeking escape from high-tax, high-cost, or cold-weather states who wants dramatic lifestyle and financial improvement.
Simple, Fast, Transparent Buying Process
We've designed our buying process to be as simple, fast, and transparent as possible-removing the complications, delays, and frustrations that plague traditional real estate transactions:
Step 1 - Contact Us: Visit to view property details, photos, and information, or call our team to discuss the property, ask questions, and get immediate answers.
Step 2 - Choose Your Payment Option:
Option A - Cash Purchase ($9,999 total): We prepare a warranty deed transferring clear title to you, you provide payment via secure online system or cashier's check, we record the deed in your name at the Putnam County Clerk's office, you receive recorded deed typically within 1-2 business days. Simple, fast, complete.
Option B - Owner Financing ($225 Down + $249 Doc Fee, then $225/Month for 72 Months): No credit check required-we don't run credit reports or require income verification. Pay $475 total at signing ($225 down payment + $249 documentation fee), then $225 monthly for 72 months (6 years). Contract for deed structure gives you immediate possession and full use of the property, with warranty deed transferring to you upon final payment or earlier payoff.
Step 3 - Make Your Payment: Through our secure online payment system accepting all major payment methods, or via cashier's check or money order if you prefer traditional payment.
Step 4 - Sign Documents: Electronic signatures available for convenience and speed, or physical document signing if you prefer traditional paperwork-whichever you're comfortable with.
Step 5 - Enjoy Your Land: You receive immediate possession and can start using your property right away-visit to plan your build, mark your building site, begin clearing if desired, or simply enjoy knowing you own Florida land.
Our Commitment to You:
Absolutely No Credit Checks - Everyone deserves opportunity
No Bank Hassles - No loan applications, underwriting delays, or approval uncertainty
No Prepayment Penalty - Pay extra anytime or pay in full early to save interest
Immediate Possession - Start using your land from day one
Transparent Terms - No hidden fees, unexpected charges, or fine print surprises
Ongoing Support - We're here to answer questions even after your purchase
Property Taxes: Just $85.25 annually ($7.10/Month) paid directly to Putnam County Tax Collector. We'll provide you with tax parcel information and payment details so you can easily pay online, by mail, or in person.
About H5 Land Ventures: We're a family-owned business that has helped hundreds of people achieve their dream of land ownership through honest communication, fair pricing, flexible financing, and genuine commitment to making land ownership accessible to everyone regardless of credit history or current financial circumstances.
Frequently Asked Questions
Q: Is this really under $10,000?
A: Yes. The cash price is just $9,999-One of the most affordable properties in Florida's lake region. We believe in fair pricing that makes land ownership accessible to everyone.
Q: What's the monthly payment with financing?
A: Just $225 per month for 72 months after $475 down ($225 down payment + $249 documentation fee). That's less than most car payments, cable bills, or what many people spend on dining out or coffee-except this builds equity in real estate you own.
Q: Can I really build whenever I want?
A: Absolutely. There's no HOA and no time-to-build restriction. Hold the land as long as you want while paying just $7.10/Month in taxes, and build when your timing and finances are perfect-whether that's next year, five years from now, or even longer.
Q: What can I build on this property?
A: R-2 zoning allows site-built homes and modular homes. Verify specific requirements with Putnam County Building Department, but you have flexibility in construction approach and home design within zoning guidelines.
Q: How's the fishing?
A: Excellent. Interlachen is surrounded by productive fishing lakes-Lake Alto, Lake Grandin, and Blue Pond all provide year-round fishing for bass, panfish, and catfish. Many residents fish regularly and structure their lifestyle around lake access.
Q: Is this really no credit check financing?
A: Absolutely. We don't run credit reports or require income verification. Everyone deserves the opportunity to own land regardless of credit history. If you can afford the down payment and monthly payments, you can own this property.
Q: Can I pay off early without penalty?
A: Yes. There's absolutely no prepayment penalty. Pay extra toward principal anytime to save interest, or pay the remaining balance in full whenever you're able. We encourage early payoff.
Q: What are the actual taxes?
A: Only $85.25 annually, which equals about $7.10 per month. This is incredibly affordable for land near excellent fishing lakes. Florida's homestead exemption can provide additional tax savings once you build and occupy.
Q: Why is this property so affordable?
A: Putnam County and Interlachen remain among Florida's most affordable areas because they've avoided the over-development and resort community pricing that drives up costs in other regions. We believe in fair pricing that makes land ownership accessible rather than maximizing profit per sale.
Q: Is there really no Hoa?
A: Correct-absolutely no Hoa, which means no monthly fees (typically $100-$400/Month in HOA communities), no restrictive covenants telling you what colors you can paint or what you can plant, no architectural review committees slowing down your building process, and complete freedom to develop your property as you choose.
Q: Can I visit the property before buying?
A: Absolutely. We encourage property visits. Use GPS coordinates 29.678081, -81.857966 to navigate directly to 403 Shappell Ave. Visit during daylight hours, bring appropriate footwear, and feel free to walk the property, note nearby streets and lakes, and get a feel for the area.
Your Affordable Florida Dream Starts at 403 Shappell Ave
This 0.22-Acre lot at 403 Shappell Ave in Interlachen represents your most affordable entry into Florida property ownership in an exceptional lake region. At just $9,999 cash or $475 down with financing at $225/Month, owning Florida land with a real street address near excellent fishing lakes is accessible to virtually everyone.
The combination of rock-bottom pricing, ultra-low taxes ($85.25/Year), proximity to Lake Alto and other productive fishing lakes, specific street address (403 Shappell Ave), no HOA restrictions, no time-to-build pressure, and central Florida location with reasonable access to Gainesville, Orlando, Palatka, and beaches creates exceptional value.
Interlachen offers peaceful lake-town living focused on outdoor recreation, fishing, affordability, and simple pleasures rather than urban stress, traffic, and high costs. For bass anglers, kayakers, nature lovers, budget-conscious retirees, first-time land buyers, or anyone seeking affordable Florida living near water, this property is perfect.
Don't let this exceptional opportunity pass. Properties this affordable near quality fishing lakes are increasingly rare as Florida continues growing and prices rise in more developed areas.
Ready to own your piece of Florida's lake district?
Visit or contact us today. For under $10K and just $225/Month, your Florida future starts at 403 Shappell Ave.
More Land Details
Property Type: Residential Land
Size: 0.22 Acres
Apn: 25-09-24-4075-1020-0200
Address: 403 Shappell Ave, Interlachen, FL 32148
Annual Taxes: $85.25 (only $7.10/Month)
Zoning: R-2 Residential
Town: Interlachen
Access: Shappell Ave (County-maintained road with specific address)
HOA: None - No fees or restrictions
Time to Build: No restrictions - Build on your timeline
Nearby Recreation:
Lake Alto - Excellent bass and panfish fishing
Lake Grandin - Productive fishing, scenic kayaking
Blue Pond - Peaceful paddling, good fishing
Ravine Gardens State Park - 25-30 minutes in Palatka
The details provided in this property listing are believed to be reliable but are not warranted or guaranteed. Prospective buyers are strongly advised to conduct their own due diligence and verify all information independently before making any purchase decision.
Contact Information:
H5 Land Ventures, Llc
Website:
At H5 Land Ventures, we believe that owning land should be possible for everyone. We are a family-owned business that specializes in making land ownership simple, affordable, and accessible so you can build your legacy, create memories, and invest in your future.
Lot Maps & Attachments
Directions to Lot
Detailed Directions to Property from Major Cities
The property at 403 Shappell Ave is located in Interlachen, FL 32148. GPS coordinates: 29.678081, -81.857966. We strongly recommend using GPS coordinates for most accurate navigation directly to the property.
From Miami (approximately 340-360 miles, 5-6 hours):
Start in Miami or Miami area
Head north on Florida's Turnpike (toll road-budget approximately $15-20 in tolls)
Continue north on Florida's Turnpike for approximately 150-160 miles
Merge onto I-95 North (near Fort Pierce/Port St. Lucie area)
Continue on I-95 North for approximately 150-160 miles
Take Exit 318 for SR-20 West toward Interlachen/Palatka (watch carefully for this exit)
Turn right onto SR-20 West
Continue on SR-20 West for approximately 10-12 miles
Turn right (north) onto CR-315 North/Interlachen Ave
Continue on CR-315 North for approximately 6-7 miles into Interlachen
In Interlachen, navigate to Shappell Ave
Use GPS coordinates 29.678081, -81.857966 to locate 403 Shappell Ave
Property is at 403 Shappell Ave
Alternative Route from Miami via I-75:
Take Florida's Turnpike north to I-75 North
Continue on I-75 North past Ocala
Take FL-40 East toward Silver Springs/Ocala
Navigate toward Interlachen area via local roads
This route avoids some I-95 traffic but adds distance
Navigation Notes for Miami Route:
- Florida's Turnpike is toll road-have SunPass or cash/card for tolls
- I-95 through Jacksonville area can have heavy traffic-plan accordingly
- SR-20 exit from I-95 is critical-don't miss it
- Total drive time 5-6 hours depending on traffic and stops
- Consider breaking trip with stop in Vero Beach, Fort Pierce, or Daytona area
From Orlando (approximately 90-95 miles, 1 hour 40 minutes to 2 hours):
Start in Orlando or Orlando metropolitan area
Head north on Interstate 4 West toward Daytona Beach
Continue on I-4 West for approximately 15-18 miles
Take Exit 114 for US-17 North toward DeLand
Turn right onto US-17 North
Continue on US-17 North for approximately 35-40 miles through DeLand
Continue north through Crescent City area
Continue on US-17 North for approximately 20-25 additional miles
As you approach Interlachen area, turn left (west) onto SR-20/CR-20/Interlachen Ave
Continue west into Interlachen
Navigate to Shappell Ave
Use GPS coordinates 29.678081, -81.857966 to locate 403 Shappell Ave
Property is at 403 Shappell Ave
Alternative Route from Orlando via Palatka:
Take I-4 West to US-17 North toward DeLand
Continue to Palatka via US-17
In Palatka, head north on US-17 briefly
Turn left (west) onto SR-20 West toward Interlachen
Continue to Interlachen
Navigate to Shappell Ave
Navigation Notes for Orlando Route:
- US-17 is scenic two-lane highway through Florida countryside
- Watch for slower traffic, agricultural vehicles during harvest season
- Small towns along route (DeLand, Crescent City) have services if needed
- Total drive time typically 1 hour 40 minutes to 2 hours without traffic delays
From Gainesville (approximately 30-32 miles, 35-40 minutes):
Start in Gainesville
Head east on University Ave/SR-26 East (also called SE Hawthorne Road east of city limits)
Continue on SR-26 East for approximately 18-20 miles through Melrose
In Melrose, SR-26 becomes Interlachen Ave/CR-315 (road continues straight but designation changes)
Continue on Interlachen Ave/CR-315 for approximately 8-10 miles into Interlachen
In Interlachen, navigate to Shappell Ave
Use GPS coordinates 29.678081, -81.857966 to locate 403 Shappell AveProperty is at 403 Shappell Ave
Alternative Route from Gainesville:
Take SR-20 East from Gainesville (more scenic route)
Continue approximately 25 miles to Interlachen area
Turn right (south) onto CR-315/Interlachen Ave
Navigate into Interlachen to Shappell Ave
Locate property using GPS coordinates
Navigation Notes for Gainesville Route:
- SR-26 is most direct route through Melrose
- Two-lane road through rural areas-watch for slower traffic
- Melrose has basic services if needed
- Total drive time typically 35-40 minutes
- Very scenic drive through North Florida lake country
From Ocala (approximately 45-50 miles, 50-60 minutes):
Start in Ocala
Head east on E Silver Springs Blvd/SR-40 East
Continue on SR-40 East for approximately 22-25 miles through Silver Springs area
Turn left (north) onto SR-19 North
Continue on SR-19 North for approximately 18-20 miles
Turn right (east) onto SR-20 East
Continue on SR-20 East for approximately 4-5 miles
Turn left (north) onto CR-315 North/Interlachen Ave
Continue on CR-315 North for approximately 6-7 miles into Interlachen
Navigate to Shappell Ave
Use GPS coordinates 29.678081, -81.857966 to locate 403 Shappell Ave
Property is at 403 Shappell Ave
Alternative Route from Ocala via Palatka:
Continue on SR-40 East all the way to Palatka (approximately 45 miles)
From Palatka, head north on US-17 North briefly
Turn left (west) onto SR-20 West toward Interlachen
Continue approximately 10 miles to Interlachen area
Navigate to Shappell Ave using GPS
Navigation Notes for Ocala Route:
- SR-40 East passes through scenic Silver Springs area
- SR-19 North is rural two-lane highway
- Watch for slower traffic and occasional agricultural vehicles
- Total drive time 50-60 minutes typically
From Palatka (approximately 14-16 miles, 25-30 minutes):
Start in Palatka (Putnam County seat)
Head north on US-17 North (Main Street/St. Johns Ave) for approximately 6-7 miles
Turn left (west) onto SR-20 West toward Interlachen
Continue on SR-20 West for approximately 8-10 miles
Turn right (north) onto CR-315 North/Interlachen Ave
Continue into Interlachen
Navigate to Shappell Ave
Use GPS coordinates 29.678081, -81.857966 to locate 403 Shappell Ave
Property is at 403 Shappell Ave
Alternative Direct Route from Palatka:
From Palatka, take CR-20 West directly toward Interlachen (approximately 14 miles)
CR-20 becomes Main Street as you enter Interlachen
Navigate to Shappell Ave
Use GPS to locate 403 Shappell Ave
Navigation Notes for Palatka Route:
- Shortest distance to property
- US-17 is main north-south route along St. Johns River
- SR-20 is well-maintained state road
- Total drive time typically 25-30 minutes
- Most direct route for those already in Putnam County
GPS Navigation Details:
- Primary Coordinates (Decimal): 29.678081, -81.857966
- Corner Coordinates Available: Listed in property details for reference
- GPS coordinates provide most accurate navigation to specific property location
- Enter coordinates into smartphone GPS, car navigation system, or dedicated GPS device
General Navigation Tips:
- GPS coordinates are most accurate for finding vacant land
- Shappell Ave is established street in Interlachen
- Property has specific address (403 Shappell Ave) aiding location
- Cell phone coverage is generally good in Interlachen area for GPS functionality
- SR-20 and CR-315 are main routes through Interlachen-easy to navigate
- Interlachen is small town-easy to navigate once you arrive
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